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Posted date : Nov 7, 2017

Dear Bird Talk, I have a question that hopefully, you can answer. Why do insurance companies that provide outside-of-Canada health insurance have you pay a higher premium for health insurance if you have a change in medication, with higher or lower dose, and you are deemed unstable for 180 days and you are not covered […]

Posted date : Nov 7, 2017

Dear Bird Talk, I was told that if you have coverage (we have six-month coverage Nov-Apr) and we go back to Canada for Christmas, that coverage is void and we have to reapply for more coverage when we go back to Arizona? Nikki D. Edmonton, AB Response: Ed.: You must be very careful about this. […]

Posted date : Nov 7, 2017

Dear Bird Talk, My husband and I have completed Representation Agreements in lieu of Advance Directives. We plan to register these with Nidus. What steps can we take to ensure that our representative is involved when we are out of province and, particularly, in the U.S.? Do Medipac and other carriers typically check NIDUS? If […]

Posted date : Nov 7, 2017

Dear Bird Talk, I am a retired federal employee spending each winter in Florida. I have medical coverage under the Public Service Health Care Plan for up to 40 days outside of Canada. To extend this, I fly back and forth to Ontario every few weeks to keep renewing the 40-day coverage, a rather expensive […]

Posted date : Nov 7, 2017

Dear Bird Talk, I think you are doing a grave disservice to your Canadian readers for not letting them know which insurance company refused to pay for the hospital that treated the little girl in Mexico. I have used insurance companies over the years and had no problem until I was stranded out west in […]

Posted date : Nov 7, 2017

Dear Bird Talk, There appears a clause in medical travel insurance policies, including Medipac, which states the following: EMERGENCY SERVICES EXCLUDED FROM COVERAGE “ …services relating to an illness or injury which caused the emergency, after such emergency ends.” Does this mean that one should go home after having received emergency medical care? I had […]

Posted date : Nov 7, 2017

Dear Bird Talk, Recently, I negotiated a medical travel insurance policy with Johnson Medoc for a prolonged period of absence from the country. On reviewing the confirmation letter from them, I found that a sum of more than $400 had been added for trip cancellation insurance, which represents 25% of the total cost, or 33% […]

Posted date : Nov 7, 2017

Dear Bird Talk, In response to your letter from Len Stoll, Ottawa, re top-up insurance. My husband and I wanted an extra five days in April 2011 and I called the insurance company we were with that year and there was no problem. They sold us five days’ each. Were we covered if an emergency […]

Posted date : Nov 7, 2017

Dear Bird Talk, I would like to share with Canadian Snowbird Association members our experience this past spring with Medipac Insurance. We had just begun our return to Canada from a five-month stay in south Texas and chose to stop for our first night at Shreveport/Bossier City, Louisiana. About midnight, my husband Steve awoke with […]

Posted date : Nov 7, 2017

Dear Bird Talk, I was unable to get a favourable quote from Medipac (last fall) as I have a 4.6 cm abdominal aortic aneurysm. I am 67 years old. My surgeon will not operate until it gets to 5.5 cm. I have been spending three months in Myrtle Beach for the last 12 years and […]